• Home
  • Latest
  • Fortune 500
  • Finance
  • Tech
  • Leadership
  • Lifestyle
  • Rankings
  • Multimedia

Trendingnow

1

Despite having a $165 million net worth, Scarlett Johansson says work-life balance doesn’t exist—and the first step to success is admitting that

2

The Bezos family just donated $100 million to help achieve one of Mayor Zohran Mamdani’s top campaign promises

3

Microsoft AI chief gives it 18 months—for all white-collar work to be automated by AI

1

Despite having a $165 million net worth, Scarlett Johansson says work-life balance doesn’t exist—and the first step to success is admitting that

2

The Bezos family just donated $100 million to help achieve one of Mayor Zohran Mamdani’s top campaign promises

3

Microsoft AI chief gives it 18 months—for all white-collar work to be automated by AI
Personal FinanceCredit cards

Delta’s SkyMiles Dilemma: The airline’s impressive first-class profits could hurt credit card loyalty

Dia Adams
By
Dia Adams
Dia Adams
Senior Editor, Personal Finance
Down Arrow Button Icon
Dia Adams
By
Dia Adams
Dia Adams
Senior Editor, Personal Finance
Down Arrow Button Icon
January 9, 2025, 3:01 AM ET
Group of people standing in queue at boarding gate
Getty Images

At Delta’s 2024 investor day last November, the airline’s corporate chieftains disclosed a staggering statistic: Cardholders charged a total amounting to nearly 1% of U.S. GDP on Delta co-branded American Express cards over the prior 12 months. That’s a lot of SkyMiles. 

But here’s the problem: If you are one of the millions of Delta Amex cardholders, you’re competing with an enormous pool of people when you redeem those miles. So is earning SkyMiles still worth it? The answer may depend on where in the plane you want to sit.

Shrinking redemption opportunities, growing upgrade lists

Delta presently sells tickets for approximately 88% of its available first-class seats—and that means there’s a dearth of premium award seats available. This is a dramatic shift from 2011, when the company sold tickets for only 14% of its premium seats. 

Investing in technology has helped Delta achieve this impressive goal, especially the company’s mobile app, which allows customers to make instant upgrade purchases under a dynamic pricing model. 

“Low availability means that First Class or Delta One award tickets can be exorbitantly priced,” says Jon Nickel-D’Andrea, author and credit cards expert. 

You may have noticed the impact if you’ve tried to redeem miles for a premium award ticket. A round-trip Delta One flight to Europe can cost over 500,000 SkyMiles, while the same route can be less than half that price using another loyalty program.

It’s worth noting that Delta Amex cards offer the TAKEOFF15 benefit, which gives a 15% discount on award flights that are operated by Delta. While the discount can help, it’s still usually cheaper to find premium cabin awards with other loyalty programs. 

One benefit of the and that Amex heavily promotes is addition to the complimentary upgrade list after Delta Medallion members. However, with only 12% of seats available to Medallion members to begin with, the chance of someone getting an upgrade with just a Delta Amex is slim to none. You may get lucky and score a Delta Comfort seat, but that’s about all you can expect with this “benefit”. 

You don’t have to earn SkyMiles to earn an award ticket on Delta Air Lines

If you have a Delta Amex because you like to spend your miles on Delta but you don’t need the benefits, such as free checked bags, that Delta co-branded cards provide, consider an Amex card that earns Membership Rewards, such as the or . Membership Rewards is a transferable travel currency that you can use on well over a dozen airlines, including Delta. 

But you don’t have to redeem Membership Rewards for SkyMiles in order to book a Delta award ticket. SkyTeam partners Air France/KLM Flying Blue and Virgin Atlantic Flying Club, which also partner with Amex Membership Rewards, have tickets on Delta Air Lines available within their respective programs. Prices on partner airlines for Delta flights can actually be lower than those booked with SkyMiles. 

Nickel-D’Andrea recommends the Amex Platinum for flyers looking for alternatives to premium Delta co-branded cards. He says, “The Amex Platinum card does everything possible to make the travel experience better by getting you through the airport quickly, giving you Delta Sky Club access, and more. It has one of the strongest value propositions for Delta flyers and those who travel with any regularity. “

If you redeem SkyMiles for coach, there’s still plenty of value in earning SkyMiles

That said, Nickel-D’Andrea notes that main cabin and basic economy flights are still very attainable. 

“Flights up and down the coast can be had for as few as 10,000 miles round trip throughout the year in basic economy, meaning that your daily spending could net you more than a few round trip flights,” he says. For more inspiration, check out the Delta SkyMiles Award Deals page. 

You will lose the ability to choose your seat if you choose a basic economy ticket, so if that’s important to you be sure to select a main cabin fare. There’s also a fee assessed in miles to cancel a basic economy ticket so the flexibility may also make a main cabin fare worth the extra miles. 

If you use the benefits, Delta Amex cards can be worth it

Most Delta Amex cards give you a free checked bag benefit, which would apply even on basic economy flights. If you travel as a family and choose to check bags, it’s a no-brainer to keep at least the as the benefit extends to up to 8 travel companions listed on the Card Member’s reservation — for a total of 9 passengers.

The Delta SkyMiles Platinum and Delta SkyMiles Reserve cards also offer companion certificates that can help offset the carrying costs of the card. While both companion certificates are used in the same way, the one offered on the and is more restrictive and can only be used when flying main cabin. 

By contrast, the certificate that comes with and has no restrictions when it comes to the class of service you’re booking, allowing you to choose which cabin you’d like to fly, including first class.

The Takeaway

The best advice about Delta Amex cards, and airline cards in general, is to get them for the benefits, but consider using a card with transferable points for your actual spending. This advice doubly applies if you have a lie-flat seat in your sights as award availability in premium cabins on Delta is likely the least of any U.S. airline. But if you’re content traveling in the back of the bus, you’ll likely be fine using your Delta card on the daily.

The Fortune 500 Innovation Forum will convene Fortune 500 executives, U.S. policy officials, top founders, and thought leaders to help define what’s next for the American economy, Nov. 16-17 in Detroit. Apply here.
About the Author
Dia Adams
By Dia AdamsSenior Editor, Personal Finance
LinkedIn iconTwitter icon

Dia Adams was a senior staff editor on the personal finance team at Fortune. Dia has been featured on national television, radio, print, and online media as an expert in the realm of credit cards, travel rewards, and family travel.

See full bioRight Arrow Button Icon

Latest in Personal Finance

Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025

Most Popular

Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Fortune Secondary Logo
Rankings
  • 100 Best Companies
  • Fortune 500
  • Global 500
  • Fortune 500 Europe
  • Most Powerful Women
  • World's Most Admired Companies
  • See All Rankings
  • Lists Calendar
Sections
  • Finance
  • Fortune Crypto
  • Features
  • Leadership
  • Health
  • Commentary
  • Success
  • Retail
  • Mpw
  • Tech
  • Lifestyle
  • CEO Initiative
  • Asia
  • Politics
  • Conferences
  • Europe
  • Newsletters
  • Personal Finance
  • Environment
  • Magazine
  • Education
Customer Support
  • Frequently Asked Questions
  • Customer Service Portal
  • Privacy Policy
  • Terms Of Use
  • Single Issues For Purchase
  • International Print
Commercial Services
  • Advertising
  • Fortune Brand Studio
  • Fortune Analytics
  • Fortune Conferences
  • Business Development
  • Group Subscriptions
About Us
  • About Us
  • Press Center
  • Work At Fortune
  • Terms And Conditions
  • Site Map
  • About Us
  • Press Center
  • Work At Fortune
  • Terms And Conditions
  • Site Map
  • Facebook icon
  • Twitter icon
  • LinkedIn icon
  • Instagram icon
  • Pinterest icon

Latest in Personal Finance

greg
Personal FinanceAviation
Mamdani’s New York is coming to tax your private jet. Here’s how to prepare
By Greg RaiffMay 16, 2026
9 hours ago
Berkshire triples Alphabet stake and buys Delta stock while dumping Amazon in Greg Abel’s first quarter as CEO
InvestingBerkshire Hathaway
Berkshire triples Alphabet stake and buys Delta stock while dumping Amazon in Greg Abel’s first quarter as CEO
By Josh Funk and The Associated PressMay 15, 2026
19 hours ago
Kevin Warsh, U.S. President Donald Trump's nominee for Chair of the Federal Reserve, is sworn in to testify during his Senate Committee on Banking, Housing, and Urban Affairs confirmation hearing in the Dirksen Senate Office Building on April 21, 2026 in Washington, DC.
EconomyFed interest rates
Dominoes are steadily falling in the path of the rate cuts Trump wants to see from Kevin Warsh
By Eleanor PringleMay 15, 2026
1 day ago
Harrison Ford wearing a bow tie
SuccessWealth
Before ‘Star Wars’ made him a multimillionaire, Harrison Ford struggled to make ends meet—so he spent 15 years working a trades side-gig
By Preston ForeMay 15, 2026
1 day ago
newsom
Personal FinanceCalifornia
Gavin Newsom blasts Trump and Bessent as ‘dumb and dumber’ while unveiling $350 billion state budget
By Trân Nguyễn and The Associated PressMay 15, 2026
1 day ago
new mexico
North AmericaNew Mexico
New Mexico is raking in oil profits from Iran War, gaining $59 million for every $1 added to the price of a barrel
By Morgan Lee and The Associated PressMay 15, 2026
1 day ago

Most Popular

Despite having a $165 million net worth, Scarlett Johansson says work-life balance doesn’t exist—and the first step to success is admitting that
Success
Despite having a $165 million net worth, Scarlett Johansson says work-life balance doesn’t exist—and the first step to success is admitting that
By Preston ForeMay 13, 2026
3 days ago
The Bezos family just donated $100 million to help achieve one of Mayor Zohran Mamdani’s top campaign promises
Politics
The Bezos family just donated $100 million to help achieve one of Mayor Zohran Mamdani’s top campaign promises
By Jake AngeloMay 12, 2026
4 days ago
Microsoft AI chief gives it 18 months—for all white-collar work to be automated by AI
AI
Microsoft AI chief gives it 18 months—for all white-collar work to be automated by AI
By Jake AngeloMay 16, 2026
6 hours ago
Current price of oil as of May 15, 2026
Personal Finance
Current price of oil as of May 15, 2026
By Joseph HostetlerMay 15, 2026
1 day ago
Meet the 20-year-old CEO who launched a company in high school to solve Gen Z's entry-level job crisis
Future of Work
Meet the 20-year-old CEO who launched a company in high school to solve Gen Z's entry-level job crisis
By Jake AngeloMay 16, 2026
10 hours ago
Debbie Gibson, Geezer Butler of Black Sabbath want you to adopt a beagle rescued from an experimental lab in Wisconsin
North America
Debbie Gibson, Geezer Butler of Black Sabbath want you to adopt a beagle rescued from an experimental lab in Wisconsin
By Scott Bauer and The Associated PressMay 13, 2026
3 days ago

© 2026 Fortune Media IP Limited. All Rights Reserved. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy | CA Notice at Collection and Privacy Notice | Do Not Sell/Share My Personal Information
FORTUNE is a trademark of Fortune Media IP Limited, registered in the U.S. and other countries. FORTUNE may receive compensation for some links to products and services on this website. Offers may be subject to change without notice.